Pension capital

Your pension capital will fluctuate more with the economy and investment results. As a result, your pension capital may increase earlier, but it can also decrease earlier.

The current way pensions are increased annually (or decreased if necessary) based on price inflation will disappear under Forward. Instead, your pension will be adjusted each year based on investment returns. These returns are allocated gradually over three years to avoid major fluctuations.

If there is a situation where pensions need to be reduced in a given year, a special buffer (the solidarity reserve) will be used first. This reserve is maintained to minimize the likelihood of reductions for retirees.

The above also applies to the partner pension after death and to the orphan pension for any children up to the age of 25.